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11622 El Camino Real, Suite 200
San Diego, CA 92130

California Bank & Trust is headquartered in San Diego and is the 10st largest bank in the state of California. It is also the 104th largest bank in the nation. It was established in 1972 and as of March of 2014, it had grown to 1,474 employees at 102 locations. California Bank & Trust has a A health rating.

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Reviews (2)


I am a respected Real Estate, Commercial and Business Broker in southern California.  Over the years I have referred several of my biggest clients to California Bank & Trust for their business needs.  My referrals were based upon CB & T's claim to giving sensitive, friendly, personal service to small and large business owners alike.  Not so any more!  In the last two years, three of my clients have had their business loans unexpectedly PULLED out from under them, even though they were all meeting their obligations.  CB & T almost destroyed one of those companies just when it was about to be given a $ multi-million contract from the Federal Government.  The reason?  They were "worried" because this small family-owned company had a decline in profits during the last two years --- no different from most other companies across the country during these tough economic times --- but it had survived and was just starting to flourish.  CB & T was heartless and merciless.  Fortunately, all three of those family-owned companies were eventually given "replacement" loans from other local banks that truly WERE responsive and friendly, and they are now all back on track --- no thanks to California Bank and Trust!  If you are trying to grow your company and need a bank that will work with you, BEWARE of Califronia Bank and Trust!   

A Solid If Somewhat Uninspiring Mid-Sized California Bank

I agree with the financial numbers and would give CB&T a 4 out of 5 rating.  I have had 2.5 years of relatively pain-free banking at their La Palma branch and can only find fault with the company for the lack of 'big bank' services such as foreign currency handling, more interesting service packages etc.

I have to say that they've been responsive when I had an issue (such as ridiculous hold time on a Citibank check written by my wife to an account that has always had thousands of dollars in it) and this keeps me there...along with a very solid balance sheet.


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 California Bank & Trust had $133.26 million in non-current loans and owned real-estate with $1.64 billion in equity and loan loss allowances on hand to cover it. This gives California Bank & Trust a Texas Ratio of 8.10% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for California Bank & Trust decreased slightly from 10.36% as of March 31, 2013 to 8.10% as of March 31, 2014, resulting in a positive change of 21.80%.This indicates that the balance sheet and financial strength for California Bank & Trust has improved slightly in recent periods.

Deposit Growth


In the past year, California Bank & Trust has increased its total deposits by $188.01 million, resulting in 2.02% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth California Bank & Trust has shown is above average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. California Bank & Trust has $11.09 billion in assets with $1.64 billion in equity, resulting in a capitalization level of 14.82%, which is excellent.

Institution Statistics

FDIC Certificate #20852
Year Established1972
Primary RegulatorFDIC
Assets and Liabilities
Assets$11.09 billion
Loans$8.51 billion
Deposits$9.48 billion
Equity Capital$1.52 billion
Loan Loss Allowance$120.67 million
Unbacked Noncurrent Loans$128.65 million
Real Estate Owned$4.61 million
Historic Data - March 2013
Assets$10.88 billion
Equity Capital$1.47 billion
Loan Loss Allowance$132.37 million
Unbacked Noncurrent Loans$128.65 million
Real Estate Owned$3.90 million
Profit Margin - Quarterly
Net Interest Margin4.4%
Return on Assets0.71%
Return on Equity5.2%
Interest Income$111.29 million

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California Bank & Trust has 105 locations. Click to view all California Bank & Trust locations.